Medicare Advantage plans are offered by private health insurance companies and differ from region to region. More and more people are switching to Medicare Advantage plans from Original Medicare, because of the fact that they provide much more benefits than the original medicare. Humana provides multiple advantage plans and they all cater to different sections of the society. Humana Medicare Advantage plans in Long Beach are discussed below.
- Humana Honor (HMO)
With an overall rating of 4, the plan is offered at a monthly premium of $0. The plan has no monthly deductible and a maximum out of pocket expense of $6700 for in-network providers. The plan also pays for your inpatient hospital stays including both acute as well as psychiatric hospitals. You have to pay a copay of $20 every time you visit your primary health care provider and a copay of $50 for a specialist. The plan covers annual lab tests as well as radiology tests like CT scans and MRI scans, with a payable coinsurance of 20%. The plan also covers home health care, preventive services, and skilled nursing facility as well. At a coinsurance of 20%, you can avail chiropractic services through this plan. However, this plan does not include fitness benefits or prescription drug coverage, and you have to enrol into a separate part D program to get your medicines covered.
- Humana Gold Plus H5619-021 (HMO)
With an overall rating of 4, this plan is offered at a monthly premium of $0. The plan has no annual deductible and a maximum out of pocket expense of $990. For visiting your primary care provider or a specialist you have to pay a $0 copay. The plan also covers prescription drug services, with no deductible amount. For generic and brand name drugs you have to pay a coinsurance of 5%. Along with this it also provides vision services, dental services, over the counter benefits, fitness benefits, transportation services, meals, acupuncture, hearing services, as well as SilverSneakers program, also providing the skilled nursing facility at a $0 copay for the first twenty days.
- Humana Value Plus H5619-037 (HMO)
With an overall rating of 4, the plan is offered by Humana at a monthly premium of $16.80. The plan charges medicare defined part B annual deductible, and an out of pocket maximum of $6700. This health maintenance organisation plan helps you choose your primary care provider inside the network. This provider would have an overall picture of your health. In this plan, you do not have to pay any copay while visiting your primary care provider or any special care provider inside your network. The plan covers your prescription drug services as well, without a deductible amount of $435, along with covering urgently needed services at a $0 copay. The plan also covers oral exams, prophylaxis, dental x-rays, non-routine services, restorative services, endodontics, extractions, prosthodontics, surgeries, eyewear, eyeglasses, contact lenses, glaucoma screening, hearing aids, hearing exams, over the counter benefits, fitness benefits, and transportation services as well. You get 36 trips a year to your local health providers.